ERP - StartGeld Gründerkredit
Government-backed loan up to €125,000, no equity required.
Target group
Startups, SMEs
Deadline
Year-around
Location
National, Germany
Table of contents
Are you eligible?
You can apply if you:
Are founding a new business or have done so within the past 5 years
Operate as a sole founder, freelancer, partnership (GbR), or corporation (GmbH)
Are based in Germany and plan to use the funds for eligible business activities
What is ERP - StartGeld Gründerkredit
This KfW-backed loan provides up to €125,000 for business expenses, including equipment, staff, inventory, and even company shares, without requiring any personal equity. It’s designed to support early-stage entrepreneurs in starting and scaling their business.
Important
No equity required: You can access full funding without personal savings or capital contribution.
Terms & Conditions
Loan Amount: up to €125,000 (no minimum)
Equity Requirement: none
Duration: 2 to 10 years
(including up to 2 repayment-free years)Repayment: monthly installments
Interest Rate: fixed, depending on creditworthiness
Usage: business investments, operating costs, material, or acquisition of shares/companies
When is the deadline?
Year-round. Applications are accepted continuously, there is no deadline.
How does the application work?
Preparation:
- Create a business plan with financial projections
- Check your personal and company creditworthiness
Hausbank process:
- Choose a commercial bank as your financial intermediary
- Submit your application via your bank (not directly to KfW)
- The Hausbank evaluates your business plan and financial plan. If approved, they forward it to KfW.
KfW assessment:
- The KfW evaluates your business plan and financial plan. If approved, they forward the offer back to your bank
Approval & payout:
- Once approved, the loan is paid out via your bank
- Loan repayment begins after the grace period
You need support?
Would you like to learn more about how we can increase your companies chances of success with this funding program?
FAQs
What our clients often ask before they get started.
Who can apply for ERP StartGeld?
Founders and small businesses less than 5 years old, including freelancers and single founders.
What can the loan be used for?
Investments, working capital, marketing, inventory, or acquisition of another company or shares.
Are collateral or guarantees needed?
KfW covers up to 80% of the default risk, which helps reduce bank requirements.
How fast is the disbursement?
Once approved, funds are typically paid out in full after contract signing.
Can you help with the application?
Yes. We prepare all documents and coordinate the process with your financing partner.
Still have questions?
